TERMS AND CONDITIONS OF THE PAYMENT MULTI-PURPOSE
Card would need to complete a ATM Cash Dispute/Request Form. Any
CARD - AUTOMATED TELLER MACHINE CARD
request to issue a replacement Card and a new PIN is subject to the
provision under clause 10 stated herein. Disputes pertaining to non-
In consideration of CIMB Bank PLC („the Bank‟) issuing a ATM Card,
dispensed cash (but account debited) or incorrect cash dispensed, etc, will
I/We hereby agree to be governed by the following Terms & Conditions:
be entertained upon the Cardholder completing the MEPS Customer
Complaints Form. The Bank will act on the complaint immediately and try to
1. Definition
resolve the complaint within 14 days from the date of receipt of the
1.1 In these Terms & Conditions, the following definitions will apply: -
complaint failing which the Bank will notify the complainant to ask for an
extension of time of a further fourteen (14) days.
(a) “Bank” means CIMB Bank PLC which is inclusive of its
successors in title and assigns.
7. Responsibility for Transactions and the ATM Card
(c) “ATM” means an Automated Teller Machine that is installed by the
7.1 The Cardholder is responsible for all transactions performed with the
Bank for use of its/their customers.
Card and shall accept the Bank‟s records of all the Cardholder‟s
(d) “ATM Services” means services offered by the Bank to its
transactions effected as binding and conclusive.
customers which involves the use of ATM.
(e) “Branch” means a branch of the Bank.
7.2 The Cardholder shall ensure that the microprocessor, magnetic stripe
(f) “Card” means the Bank‟s ATM Card and any replacement thereof
and/or data in the Card are not in any way altered or tampered with by any
issued by the BANK to any of its customers to enable him/her to use an
means whatsoever and without affecting the Cardholder‟s ownership of
ATM.
the Card. The Cardholder hereby agrees that the Bank shall have the right
(h) “Fund” cash belonging to the ATM Cardholder.
to retain possession of the Card or upon request by the Bank, surrender
(i) “Cardholder” means the person to whom and for whose use, a
the same for the purpose of verification, rectification or validation of the
Card is issued by the Bank.
data stored in the Card.
(j) “Machine” means an Automated Teller Machine (ATM)
(k) “PIN” means a Personal Identification Number in order to use the
7.3 The Bank will not be responsible for any damage to the Card once the
ATM services.
Cardholder has accepted it. The Cardholder is required to keep the Card in
a safe place, free from any magnetic source or excessive heat and also to
2. Ownership of the ATM Card (‘the Card’)
ensure that the Card is not bent or defaced wherein the same may cause
2.1 The Card shall remain the property of the Bank at all times and the
the Card to be damaged. The Bank will issue a replacement for a damaged
Cardholder
immediately upon
Card upon request and it is subjected to a charge based on the prevailing
The usage of the Card is subject to the terms and conditions
Card replacement fees. Simultaneously, a replacement PIN will also be
request.
shall surrender the Card to the Bank
applicable from time to time and only in the authorized manner as
issued.
prescribed herein and may or shall be amended from time to time at
the sole discretion of the Bank.
7.4 The Cardholder shall not hold the Bank, its servant and/or agents liable,
responsible or accountable in any way whatsoever in the event of loss,
3. Non-Transferability of the Card
injury or damage arising from any mechanical defect or malfunction of the
3.1 The Card is issued solely to and for the use by the Cardholder and is
ATM Machine, interruption or loss of power supply to the ATM Machine or
nottransferable. The Cardholder shall not use the Card as a pledge or
for any reasons whatsoever.
guarantee to secure
credit facilities or
enter into any transaction
8. Maintaining Sufficient Balance in the Cardholder’s Account
concerning the same.
8.2 The balance in the Cardholder‟s account procured from the ATM shall
4. Confidentiality of the Personal Identification Number
not include unrealized deposits, if any, and it shall not be taken as a
4.1 A personal identification number („PIN‟) will be issued to a new
conclusive statement of account of the Cardholder with the Bank.
Cardholder to enable him/her to access the ATM. However, the
Cardholder will have to change the PIN as provided by the Bank before
9. Validity and Termination
being allowed to access the ATM services offered. The Cardholder
9.1 The Cardholder shall return the Card to the Bank for cancellation, if
shallat all times observe the security measures attached to the Card and
he/she has no further use of it or the Cardholder‟s account has been closed
PIN as prescribed by the Bank. The Cardholder must never reveal
for any reasons whatsoever. Notwithstanding the above, the Bank reserves
his/her PIN to anyone, including the Bank‟s personnel, and it should not
the right at any time to revoke the Cardholder‟s right to use the Card or it
be kept together with the Card but should be committed to memory.
may refuse to renew or replace the Card wherein written notification of the
same will be given to the Cardholder by the Bank or any authorized
5. Loss, Destruction or Theft of the Card
personnel acting on behalf of the Bank. The Cardholder shall not use the
5.1 If there is suspicion that the Card is lost, has been stolen or is
destroyedand/or
that
the
confidentiality
of
the
PIN
has
Card after receiving such notification of revocation.
been
compromised, the Cardholder must immediately notify the Bank to
10. ATM Card Replacement
suspend the Card. In this respect, the Cardholder can contact the Bank‟s
10.1 Upon the Bank being notified of the occurrence of any of the events
Call Centre at
stated herein under clause 5, the Bank may upon the written request of the
+855 (0) 23 988 388
Cardholder and/or at its sole and absolute discretion issue a new Card and
PIN upon such terms and conditions that the Bank deems fit and against
5.2 The Cardholder shall be responsible for all transactions performed via
such indemnity that the Bank may require of the Cardholder.
the Card prior to notification by the Cardholder to the Bank of its loss or
theft etc wherein the same shall be duly acknowledged by the Bank.
10.2 The Bank shall impose a replacement charge of USD6.00 for a new ATM
Card and PIN issued to the Cardholder.
6. Complaints and Disputes Concerning the Card
6.1 A Cardholder who wishes to register a complaint/s with regard to the
11. Use of Card to access and operate transactions under one or
any electronic or paper media, or so provided on the notice board at the
more account (s).
Bank‟s branch premises, or Bank‟s Internet website, or Machine.
11.1 Upon the request of the Cardholder and approval of the Bank the
Card
18.3 Notwithstanding and without prejudice to the generality of the clauses
can be used by the Cardholder to access and operate one or more
in these Terms and Conditions, the Cardholder shall expressly agree that
accounts maintained by the Cardholder with the CIMB Bank PLC. and all
the use of the Card is at his/her own risk and the Cardholder shall assume
transactions so effected by the Cardholder under the said account (s)
all risks, either incidental or arising out of the use of the Card and shall
shall be deemed to be transactions of theCardholder and binding on the
fully indemnify the Bank and hold the Bank harmless against all losses,
Cardholder. The Cardholder further agrees that transactions effected via
costs, and expenses (legal or otherwise) which may be incurred by the
the use of a card issued by CIMBBank PLC. in respect of any account
Cardholder or the Bank in connection with the ATM Card and for all
(s) maintained with the Bank shall be binding on the Cardholder.
transactions performed with the Card (notwithstanding such transactions
may be fraudulent or unauthorized).
12. Annual Card Fees
12.1 The Cardholder agrees that (i) the Bank shall be entitled to charge
18.4 Without prejudice to the foregoing clauses, it is expressly agreed that
an
the Terms and Conditions stated herein are supplementary to the existing
annual fee in respect of the Card on the date of the Card issuance and
Bank‟s Rules and Regulations governing the use and operation of Savings
subsequently on each anniversary date of the Card issuance or on any
and Current Accounts.
other date which the Bank may determine from time to time without any
prior notice to the Cardholder; (ii) the Bank may without prior notice to
18.5 These Terms and Conditions shall be governed by and construed in
the Cardholder debit and/or set off or cause the debit and/or set off as
accordance with the laws of
the case may be of the annual Card fee and/or any annual card fee in
under or in this connection with these Terms and Conditions shall be in the
respect of a card issued by CIMB Bank PLC. (' the said fee(s)') from any
English language and/or the Khmer Language. . In the event of a conflict
of the Cardholder's account (s) maintained with the Bank and/or CIMB
between the English Language text and the Khmer Language text, the
Bank PLC and the Bank shall not be liable to the Cardholder in any way
English Language version shall prevail.
whatsoever if as a consequence of such aforesaid debiting and/or set off
of the said fee (s) the said account (s) of the Cardholder maintained with
the Bank and/or CIMB Bank PLC shall have no or insufficient funds; and
(iii) the debiting and/or set off of the annual card fee in respect of a card
issued by CIMB Bank PLC from any of the Cardholder's account (s)
maintained with
the Bank shall be binding on the Cardholder.
14. Joint Account Holders
14.1 The Bank may at its sole discretion issue an additional Card to the
corholder of a joint account provided the condition to operate the joint
account is for either one to operate. The joint account holders shall be
jointly and severally liable under the terms and conditions stated herein
for which purpose words denoting the singular should be deemed to
include the plural.
15. Shared ATM Network
15.1 The Terms and Conditions governing the use of ATM Card on the
Bank‟s ATM network shall also apply to the use of the shared ATM
Network under MEPS, , PLUS or any other institution approved by
National Bank of Cambodia
15.2 Activation of the Card for overseas usage is required.
18. General
18.1 The Terms & Conditions governing the account of the Cardholder with
the Bank and which are consistent with these Terms and Conditions
governing the use of the ATM Card shall apply to transactions effected
with the use of the Card. However, if in the event of conflict pertaining to
ATM transactions, the Terms and Conditions stated herein shall prevail
over the Terms & Conditions governing the Cardholder‟s account
18.2 The Bank may at any time vary, add, delete or amend the Terms
and
Conditions stated herein. The Bank shall at its own discretion choose the
appropriate mode of communicating such variation, addition, deletion or
amendment to the Cardholder(s), and the Cardholder(s) is deemed to
have received such notification(s), whether such notification(s) is sent to
the Cardholder‟s last known address with the Bank, and/or publicized in
Cambodia. All notices or communication